Community Reinvestment Act (CRA)

The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.

The CRA requires federal banking agencies to

  • assess the institution's record of meeting the credit needs of its entire community, including LMI neighborhoods, consistent with the safe and sound operation of such institution, and
  • take such record into account in its evaluation of an application for a deposit facility by such institution.

June 2020 Rule

The OCC's CRA rule, published on June 5, 2020, recognizes significant changes to the banking industry and how consumers bank since the last comprehensive revision over 25 years ago. The June 2020 rule clarifies the activities that count for CRA credit, updates where bank activity counts, and evaluates CRA performance more objectively.

1995 CRA Rule, as Revised

Certain provisions of the preceding CRA rule continue to apply as OCC administers and develops new guidance, examination procedures, and tools to fully implement the June 2020 rule.

Top Tasks

CRA Qualifying Activity Confirmation Request

Qualifying Activity Confirmation

Visit the CRA Qualifying Activity Confirmation Request page.

CRA Search Database

Search CRA Database

Search national banks and federal savings associations' CRA ratings and performance evaluations.

CRA Exam Schedule

View CRA Exam Schedule

Get a list of national banks and federal savings associations scheduled for CRA examinations in the next quarter.

Handbook, Procedures, and Guidance

Additional Resources

National Banks Evaluated on the Basis of a Strategic Plan Under the CRA
Get a list of national banks operating under approved CRA strategic plans and a reference to the authorizing regulation.

Wholesale and Limited Purpose Banks
Get a list of banks designated as wholesale or limited purpose, definitions for these terms, and a reference to the authorizing regulation.

Community Affairs
Get information about best practices and investment opportunities on a broad range of community development topics and access training, workshops and conferences conducted by District Community Affairs Officers.